Empower Your Financial Future

Financial Literacy Programs

Discover a world of opportunities to enhance your financial knowledge and skills. In collaboration with esteemed partners, Habitat for Humanity proudly presents an array of financial literacy programs designed to pave your way to financial independence and informed homeownership.

Overview of programs

Unlock Your Path to Financial Literacy with Habitat for Humanity.

On-Demand Financial Literacy

On-Demand Videos

3 Videos

How a Car Loan Can Affect Your Home Loan Approval. Habitat For Humanity Brick by Brick 2026 Ep.01

18:24

How Student Loans Can Affect Your Ability to Buy a Home. Habitat For Humanity, Brick by Brick Ep02

19:33

Habitat For Humanity Brick by Brick 2026 Episode 03

27:52

Financial Literacy Programs & Resources

Interactive Games: How Money Smart Are You?

How Money Smart Are You? is a suite of 14 games and related resources about everyday financial topics. It’s based on FDIC’s award-winning Money Smart program.

These engaging and interactive games include:

Money Smart for Young Adults (FDIC)

Two topics are covered once a week during 4-hour classes over a 6-week period.

These classes/courses will be held in the Perdue Family Wealth Building Center located at HFHWC, 105 N. Dulany Ave., Fruitland, MD 21826.

This course covers the following topics:

Banking
Setting Goals and Making Financial Decisions
Making the Most of Your Income
Spending and Savings Plan
Saving for goals and the future
Building credit
Borrowing
Credit Cards
Protecting your money and identity
Buying a car
Paying for Education and Training
Living on your own

Money Smart for Adults (FDIC)

Two topics are covered once a week during 4-hour classes over a 7-week period.

These classes/courses will be held in the Perdue Family Wealth Building Center located at HFHWC, 105 N. Dulany Ave., Fruitland, MD 21826.

This course covers the following topics:

Money Values and Influences
Banking
Income and Expenses
Spending and Savings plans
Savings
Credit Report and Scores
Borrowing
Managing Debt
Using Credit Cards
Building a Financial Future
Protecting your Identity and Other Assets
Making Housing Decisions
Buying a Home
Disasters – financial preparation and recovery

Money Smart for Older Adults (FDIC & CFPB)

This course is designed to raise awareness among older adults and their caregivers on how to prevent fraud, scams, and other elder financial exploitation. This course also encourages advanced planning and informed financial decision-making.

Two topics are covered once a week during 3-hour classes over a 5-week period.

These classes/courses will be held in the Perdue Family Wealth Building Center located at HFHWC, 105 N. Dulany Ave., Fruitland, MD 21826.

This course covers the following topics:

Overview of financial exploitation and how to report incidents
Common types of elder financial exploitation
Investment Fraud
Avoiding Telephone and Internet Scams
Avoiding Charity Scams
Computer-Internet Scams
Identity Theft and Medical Identity Theft
Planning for Unexpected Life Events
Scams that target homeowners
Scams that target Veterans

Homeownership Program Information Session

Virtual Zoom Sessions

Are you interested in learning more about our Home Ownership Program? Take the first step in our Home Ownership Program process and join us online for this no-cost virtual information session.

Upcoming Financial Literacy Classes

Register for an Upcoming Financial Literacy Program Class

There are no upcoming events.

Unlock Your Path to Financial Literacy with Habitat for Humanity.

Financial Literacy Programs & Resources

Teach the to Fish

The “Teach Them To Fish” program focuses on financial literacy and homeownership through an introductory seminar followed by 7 weeks of classes. It offers personalized instruction, one-on-one coaching, and mentoring, utilizing Freddie Mac’s CreditSmart® as its primary text, alongside “The Power of Positive Thinking” and “The Richest Man in Babylon”. The program, founded by Edward S. Lee, a Realtor® with 12 years of experience, aims to assist individuals and families in overcoming challenges related to bad credit and the home buying process. The service is free, with no obligations.

Salisbury Neighborhood Housing Services

Salisbury Neighborhood Housing Services offers comprehensive educational programs for prospective homeowners, including Homebuyer Education Training and Post Purchase Workshops. These programs, designed to guide individuals through the A-Z of homeownership, are facilitated by HUD Certified Housing Counselors and industry professionals. The curriculum covers both pre-purchase and post-purchase topics, aiming to prepare customers for the responsibilities of homeownership and the financial challenges it might bring. Additionally, an online class option is available for those unable to attend in person.

FDIC's Money Smart Program

The FDIC’s Money Smart for Adults program is an instructor-led curriculum designed to equip participants with practical knowledge and skills to manage their finances confidently. It features 14 modules covering essential financial topics, offering a blend of information, interactive exercises, and realistic scenarios to enhance financial literacy. The program aims to make financial education accessible and relevant, including for individuals with disabilities, and provides a variety of tools and resources to support learning and application in real-life contexts.

"Money and Mindset" Blog by Truist

Life can get real. But through all the challenges and triumphs, one of your greatest powers is caring enough to make the most of every moment. When you’re ready to take on whatever comes your way, it feels good—so use these tips and tools to get your money and mindset right for your next chapter and thrive through every moment.

The “Money and Mindset” financial blog by Truist focuses on empowering individuals to manage their finances effectively through life’s various stages and challenges. It offers resources, tools, and insights to help users take control of their money, covering topics like budgeting, saving, borrowing for significant purchases, and navigating life events such as marriage or starting a family. The blog aims to foster a positive financial mindset, providing practical advice to thrive financially in every life moment.

Back on Your Success Workbooks

Download Back on Your Success workbooks in English, Haitian, Creole, and Spanish.

Dave Ramsey Program

The Habitat for Humanity of Wicomico County introduces a financial well-being initiative focusing on Dave Ramsey’s Financial Peace University.

This program aims to empower families to achieve debt-free living, emphasizing budgeting, debt reduction through the “snowball effect,” and the importance of saving. Highlighting practical steps like establishing an emergency fund, eliminating credit card debt, and planning for future financial goals, the initiative fosters financial literacy and independence. Participants also learn the value of giving back once they achieve financial freedom, making this a comprehensive journey towards fiscal health and community contribution.

Get Matched with a Financial Literacy Program

Find Your Financial Freedom with Habitat for Humanity

Empower Your Financial Journey.

Navigating your financial future can be daunting, but you don’t have to do it alone. Habitat for Humanity is here to connect you with financial literacy programs tailored to your needs, helping you build a stronger, more secure financial future.

Meet the Families & Hear How these Programs Transformed their Lives

Every home has a story, and every story is a cornerstone of our community. Discover the heartwarming journeys of families whose lives have been transformed through Habitat for Humanity’s home building and repairing efforts.

Home Ownership Program

Meet Shakira Henderson: A Wicomico Habitat Homeowner for Over 13 Years

Shakira Henderson Enjoys Homeownership

FEATURED

Meet Ms. Kia - Our next Habitat Homeowner

Kia’s rent was skyrocketing. Her rental home windows were moldy. Her refrigerator went out, leaving her to put her food in coolers for a week while her landlord waited to replace the appliance. Kia realized something had to change.

Home Ownership Program

Meet The Roberts Family

The Roberts family began their partnership with Wicomico Habitat in 2005. Their Habitat Home was a happy stepping stone in their lives. As their family and security grew, the Roberts sold their home back to Habitat in 2023 as they moved on to Kentucky, where they were called to lead a Christian School.

Critical Home Repair Program

Meet The Avila-Hernandez Family

The Avila-Hernandez family turned to Habitat for Humanity for support. Now, they have a home.

Home Ownership Program

Meet Marquita Bunting

Marquita Bunting was a single mother who came to our program for help. Now she owns a home.

Critical Home Repair Program

Meet The Petit Family

Salvanais Petit and his family escaped the political turmoil in Haiti and chose Salisbury to rebuild their lives. The Petits are grateful to be homeowners.